Short and Long term Disability Insurance in HawaiiWelcome to Got DI, your trusted source for disability insurance quotes in Hawaii.
A person's occupation has inherent risks associated with it and usually falls into a particular income bracket. In Hawaii, both of these factors can be used to determine premiums, so a position that is highly compensated with low risk associated will fall into a higher occupation classification.
Disability insurance premiums are the payments that a policyholder makes in order to keep his or her coverage in operation. These premiums are based on a variety of factors, such as occupation and medical history.
Disability Insurance Riders
In order to select the top policy, Got DI reviews the additional riders from top coverage providers. Riders are voluntary add-ons you may get to add with your policies that boost benefits in specific scenarios. Here are some of the optional riders we feature:
Accident Hospital Confinement Indemnity Benefits Rider
This rider pays as much as $500 a day for each day you're hospitalized because of an injury. The benefits double for days spent in confinement or in the ICU.
Return of Premium Benefit Rider
Depending on your policy, you can have 50 to 80% of your premiums returned (minus claims) after ten years paying the costs. This is available on long term and short term policies.
Critical Illness Benefits Rider
Certain diseases are more threatening, so this rider pays up to $25,000 as a single payment in case you are informed you have one of them.
Got DI offers numerous selections for the best long and short term plans for individuals in an array of occupations. We'll make it easier to choose the coverage that fits your preferences, to bring you ample coverage.